Terminator Insurance

[toddyfiveo]

Was wondering how many of you have full coverage compared to liability. It almost seems like full coverage might be a waist of money seeing how any real damage will total out the car now days. I currently have full coverage, but I know if the car is totaled in an accident I would receive enough to go out an buy another 03-04 with the current market value.

 

[BADBOYSVT]

Always full coverage . I was 560 a years with Hagerty ( spelling ) . I call them again last week to renew also told them I only do 270 miles since then . Also 20k coverage . They knock it down to 365 or 360 a years .

 

[Revvv]

Even my lowly GT carries full coverage. It is worth it IF something happens to the car and it's your fault. Accidents do happen.

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[PowerWheels]

I don't believe in insurance, There's no Risk!

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[jrichber]

If anything happens that is your fault liability is not going to cover it. For me if something is worth more than a few grand, it gets full coverage.

 

[roy_1031]

Definitely full coverage. There’s more to just replacing or fixing a car, I don’t want anyone coming after my house/assets over an accident that I couldn’t cover without the proper coverage.


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[toddyfiveo]

Definitely full coverage. There’s more to just replacing or fixing a car, I don’t want anyone coming after my house/assets over an accident that I couldn’t cover without the proper coverage.


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Yeah good points, I was thinking along the lines of car repair. I wasn’t even taking into consideration the other benefits of full coverage.


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[Zemedici]

Just do full coverage. The difference monthly wont be what, $30? My cobra, at 19 years old, was like $150/mo, so it shouldn't be crazy.

And another thing, Insurance companies know the values on these cars, when my 03 whipple car was totaled, the insurance gave me ~20k. I paid 21 for the car over a year prior. Not a bad gig.

 

[jmsa540]

Was wondering how many of you have full coverage compared to liability. It almost seems like full coverage might be a waist of money seeing how any real damage will total out the car now days. I currently have full coverage, but I know if the car is totaled in an accident I would receive enough to go out an buy another 03-04 with the current market value.

Op, not trying to be sarcastic but do you know the difference between full coverage and liability?

You said that any real damage could easily total a car nowadays; please tell me you have full coverage if your car is paid off.

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